"ZERO" helps you put away all your ATM/ payment cards and carry just one for security and convenience. It comes with a simple, scalable, consumption-oriented, instant, peer-to-peer (P2P) money transfer network which is disruptive in that it does not require the funds to actually flow between the two users. The sender can authorize the recipient to instantly pay with or withdraw cash from the sender’s card upto a set value.
ZERO rides on the existing infrastructure of Payment Gateways, ATM/ POS machines, Banks and Card Networks.
It's a mobile-first Wallet + Card that holds zero value, but can act as a proxy to any of the billions of cards in the world if authorized by the card-owner.
Using the smartphone app, a user (or a sender) can choose one of her registered cards for each transaction or let ZERO Server choose one of her cards based on limits, cash-back and loyalty. For added security, she can keep ZERO disabled when not transacting.